I was wanting to get coverage also for my SDIRA properties, mobile homes, ect.... 

Medical Payments: Provides coverage for an injury suffered on the premises.

Seth,I recommend contacting @Jason Bott, an Independent Agent who works that area and can help you find coverage that might be more affordable.

As a result, homeowners who want coverage for an empty or uninhabited home need to purchase unoccupied or vacant home insurance.

I would call your agent to make sure that the coverage is now correct.Good Luck on the Tennis Academy. 

My goal is to supplement my income and ultimately to replace it.

I even paid for the extra HVAC coverage. 

thanks @James Martin  from some other threads, I was under the impression that with NSC, Flood Insurance and regular coverage, the monthly bill would run $300-400 per month! 

if you need to supplement the costs further you can consider renting rooms out in the unit that you live in but this typically is only an option for those who need the financial assistance (housemates are often not easy).You learn Property Management, if you like being a landlord, doing repairs and hiring contractors. 

Things to consider:1) Depending on the state you live in, an LLC may not provide as much protection.2) If you don't keep your finances perfectly separated (and even then it's not a guarantee), an LLC may not provide you protection.3) You'll end up paying more in your mortgage and your LLC costs.For those reasons, especially for your first one, it's generally fine to just get a lot of coverage in umbrella insurance (or a lot of personal liability coverage in the property insurance that you'll carry).However, I'd be very interested to know if any BP member can say that an LLC did prevent them from losing money or getting personally sued at some point -- I haven't seen that posted.